$HUMA Series Eighth: The True Way to Financial Inclusion (Providing Financing Channels for the Unbanked)
In the traditional financial world, borrowing is almost a privilege for a few. Banks require collateral, complex credit systems, and strict review thresholds, which keep countless individual investors, small and medium-sized enterprises, and even laborers in emerging markets outside the door. Yet in on-chain financial experiments, many projects still continue this logic of 'strong collateral'—seemingly decentralized, but failing to truly solve the problem of inclusive finance.
Huma Finance provides a new answer. It does not require users to pledge assets, but instead transforms 'income' itself into credit. Whether it’s fixed salary income, cash flow from freelancers, or accounts receivable from small businesses, all can be converted into verifiable 'credit certificates' under Huma's mechanism, thereby obtaining funding support. This means that those who cannot get loans in the traditional system finally have the opportunity to access their own financial services through blockchain.
For individual investors and entrepreneurs, Huma Finance is not just a financing tool, but also an opportunity to participate in global capital flows. You no longer need large amounts of collateral, nor do you have to rely on complex credit systems; as long as you can prove a stable income, you can obtain liquidity support on-chain.
The significance of Huma lies in its ability to truly broaden financial coverage, returning the right to borrow to more ordinary people. In this process, decentralization is no longer a distant concept but has become a real choice for countless individuals.
